Clamora – Blockchain-Based Health Insurance Claim Management System

DOI

10.2991/978-94-6239-693-7_14How to use a DOI?

Keywords

Blockchain; decentralized application; IPFS; smart contract; insurance claims

Abstract

Manual claims approval cycles are typically involved in the processing of health insurance claims, as well as delayed approvals, data tampering and poor visibility for both patient, hospital and insurer during the claims cycle. Clamora is a decentralized application utilizing blockchain technology and InterPlanetary File System (IPFS) to automate and secure each step of the claim process from submission through payment. Centralized database vulnerabilities have been eliminated by replacing them with an immutable distributed ledger, which also eliminates the opportunity for unauthorized alteration or duplicate claim submissions. Hospitals upload documents that are then encrypted and stored on IPFS, however only their content hash is recorded on the blockchain to ensure the content of the documents remains private but can be verified at any time. Rule based validations are executed through smart contracts written in solidity, and automatically update the status of the claim in real-time, thereby removing all need for manual processing. Patient authentication occurs via MetaMask wallet to eliminate risk associated with user/password-based systems. Testing has shown to improve transparency, minimize fraudulent activity, reduce the amount of time required to process a claim and simplify auditing processes. Clamora represents a scalable and private model that can be utilized to transform many aspects of the way insurance operates within a variety of healthcare ecosystems.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - B. Rakesh
AU  - A. Rajesh Kumar
AU  - S. Rajashree
AU  - R. Santhanakrishnan
AU  - Jemshia Miriam
AU  - R. Srinivasan
PY  - 2026
DA  - 2026/06/16
TI  - Clamora – Blockchain-Based Health Insurance Claim Management System
BT  - Proceedings of the International Conference on Intelligent Systems for a Sustainable Future (ISSF 2026)
PB  - Atlantis Press
SP  - 120
EP  - 125
SN  - 2589-4919
UR  - https://doi.org/10.2991/978-94-6239-693-7_14
DO  - 10.2991/978-94-6239-693-7_14
ID  - Rakesh2026
ER  -